Built for getting out of debt

Debt feels like a mountain. ClearPath shows you the way through.

See the exact amount that's safe to put toward debt each week, until the climb is behind you.

Try ClearPath

2–4 minutes · no credit card · upload a statement to start

Interest saved

$4,680

Payoff moved

22 mo.

This week

$847 safe

Safety Settings

Emergency floor $100

Bill spike buffer 20%

Surplus protected

AI Advisor Live · knows your data

How much can I deploy? When am I debt-free?

Safe to deploy

Live

$847

Bills covered $2,140

Buffer held $500

Safety margin $250

Debt-free 4 mo. sooner · saves $612

10:24

Hello

Sunday, April 19

Balance: $2,972

SAFE TO DEPLOY

$942

available to deploy toward debt

INCOME

$9,392

GOING OUT

$6,322

DEBTS

0% toward debt-free

Interest Saved $102

Debt Eliminated $2,417

The problem

"I'd see $25, $75, $150 leave my account, and wonder why none of it was going toward my debt."

The question that built ClearPath

The invisible cost

That coffee. That impulse buy. That $50 you forgot about. None of them felt like real spending. Too small, too forgettable. Meanwhile your debt sat untouched. Months of those add up to years of payoff you didn't have to lose.

The smallest purchases bought you the most months in debt.

The fear tax

You want to throw $200 at your credit card this week. But what if bills come in high? What if the car breaks? So you send $50. Or nothing. Your balance crawls down at minimum-payment speed.

The "what if" is costing you years.

The wrong tool for the job

Mint shows you where your money went. YNAB wants you to assign every dollar. Undebt.it hands you a fixed plan. None of them tell you what's safe to send right now.

That gap is where years of extra debt live.

The solution

Using Rolling Surplus Detection, ClearPath reviews your finances, shows you how much you can safely pay toward debt, and what you gain from doing it.

Clear•Path

SURPLUS ALERT

Hey Isaiah,

You have $298 safe to deploy right now.

AVAILABLE TO DEPLOY

$298

Recommended target: Amex Blue Card

Save on Interest

This payment hits your balance before interest compounds today

Cut Your Payoff Date

Small payments made now shave weeks off your timeline

Don't Wait

By month's end this money is gone. Deploy it now.

This opportunity expires. Don't let interest win today.

How it works

Small deployments. Every week. Until you're out.

It's not the size of the payment. It's that you made one this week. And the week after. And the week after that. Compounded over a year, small weekly deployments end debt years early.

Week 1

$120

Week 2

$340

Week 3

$210

Week 4

Week 5

$847

Week 6

$190

Week 7

$420

Week 8

$280

8 weeks deployed

$2,407

Above and beyond your minimums

Payoff date moved
11 months
Closer than when you started

Interest avoided
$2,840
Money you keep, not the bank

What protects you

The safety net under every number.

Before ClearPath shows you a number, it accounts for the things life actually does. Surprise bills. Slow weeks. The days between paychecks. Here's the math that protects you.

Emergency Floor

The cushion ClearPath never touches. Set an amount you always want sitting in your account — $500, $1,000, whatever feels safe. The surplus number is calculated above it. Your safety net is sacred.

Bill Spike Buffer

A high electric bill won't blow up your week. ClearPath builds a buffer into every bill before calculating surplus, so when your usage runs hot, the buffer already absorbed it. No nasty surprises.

Daily Spend Reserve

Groceries and gas, every day until payday. ClearPath reserves your daily spending before it shows you a surplus number, so you're never left with zero in the days before your check hits.

How we're different

Always showing you a way forward.

ClearPath isn't a budgeting app. It's a surplus detector built for the moment you look at your account and ask: "can I send some of this toward my debt without regretting it next week?"

Mint / Rocket

YNAB

Undebt.it

ClearPath

Tells you what's safe to deploy this week

✓

Updates with your real cash position

✓

Shows timeline impact of every payment

✓

Setup in minutes, not a weekend

✓

Mobile-first, built for right-now decisions

✓

ClearPath Advisor

The guide for your path. Built on your numbers.

ClearPath tells you what's safe to deploy. The Advisor tells you how to deploy it, in service of your priorities. Ask the questions you'd ask a friend who happened to be great with money, and get answers built on your actual balance, bills, and debts.

Plans around your priorities.

Tell it what matters. "Kill the car first." "Knock out the Amex by summer." It builds the plan around your goal, not a generic formula.

Does the math you'd rather not.

Running scenarios, comparing paths, checking interest rates against deadlines. You ask a question in plain English. It answers with a plan.

Shows the tradeoff, not just the advice.

Every recommendation comes with what it costs you or saves you. You're never just trusting the Advisor. You're seeing the math behind the call.

CP Advisor

Knows your numbers

What's the best plan if I want to prioritize paying off my car first?

Good call. Your car's at 8.4% but it's your biggest monthly payment, so knocking it out frees up $412/mo for your cards. Here's what I'd do:

Deploy your weekly surplus to the car until it's gone (~9 months at your pace)
Keep minimums on cards in the meantime
When the car's dead, roll that $412/mo + your surplus into your highest-APR card

This saves you $1,840 vs. splitting payments across everything.

Ask anything about your money… →

A note from the founder

My dad's always been proud of the apps I build. But he's never called about any of them. This one, he calls about. Repeatedly.

Not because the math is new. The math has always been there. Because for the first time, he can see a way through. He's not avoiding it anymore. He's facing it.

That shift, from avoiding to facing, is what I'm building ClearPath for. Not the debt-free date on the calendar, though that comes. The moment you stop feeling crushed by the mountain and start climbing it.

If you've been avoiding, I get it. I watched someone I love do it for years. What I want for you is what I'm watching happen for him. Hope you can actually act on, one safe step at a time.

Isaiah

Founder, ClearPath

Common questions

What people ask before taking the first step.

→What if I'm bad with money?

ClearPath assumes nothing about your habits. It looks at your actual bills, your actual paycheck, and your actual spending, then tells you what's left over and safe. You don't need to budget. You don't need to be disciplined. The math does the work.

→Do you connect to my bank?

Not yet, and that's deliberate. You can upload a statement (CSV or PDF) and we'll parse it in seconds, or enter your numbers manually if you'd rather. We never move your money. Bank sync via Plaid is on the roadmap, but read-only is the standard and always will be. Your money stays where it is. Always.

→What if my income is irregular?

That's exactly when ClearPath is most useful. Irregular income is the #1 reason people sit on cash they could deploy. They don't know what's safe. ClearPath recalculates every week based on what's actually in your account, not what you wish was in there.

→How is this different from just sending extra to my credit card?

It's the difference between guessing and knowing. Sending "extra" without the math is how people end up overdrafting in week three and reversing the payment. ClearPath tells you the exact amount you can send and not regret it.